Lending Guide

What Is a DSCR Loan?

A DSCR loan (Debt Service Coverage Ratio loan) is a real estate investment loan underwritten on the property's rental income relative to the loan payment — not the borrower's personal income or tax returns.

Up to $15,000,000
DSCR

Loan amounts up to $15M.

Key loan facts

Loan amount
Up to $15,000,000
Eligible properties
Single-family rentals, 2–4 unit rentals, Short-term rentals
Underwriting 1
DSCR: property income ÷ total debt service
Underwriting 2
Min DSCR: 1.10x generally required

Eligible Asset Types

  • Single-family rentals
  • 2–4 unit rentals
  • Short-term rentals

Underwriting Guidelines

  • DSCR: property income ÷ total debt service
  • Min DSCR: 1.10x generally required
  • Min FICO: 650+
  • Not owner-occupied

Who This Is For

  • Residential real estate investors
  • Self-employed borrowers with rental income

Who This Is Not For

  • Owner-occupied buyers

Frequently Asked Questions

Request a Loan Quote

Ready to request financing? Submit your loan request for a same-business-day review from our commercial lending team.

Request a Loan Quote View Program Guidelines

Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.

Loan Parameters

MinimumNone
Core maximum$5,000,000
Not eligible: owner-occupied residential. Loans up to $15M.

Related Programs

Explore Riverside Park Capital

Ready to Request Financing?

Commercial real estate and investor property loans: core up to $15,000,000, loan amounts up to $15M.

Request a Loan QuoteView Guidelines

Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.